Lawyer (undergrad + law school) Four years of undergrad then three years of law school (~$80k/yr), on an associate-to-partner salary track.

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2033–2036

Undergraduate · In-state public university

age 18–21

2037–2039

Law school · JD program

age 22–24

2083

Roth + brokerage at age 68

$30,177,024

Total cost of attending

$612,550

compound inflation

529 after graduation

left in the fund

Rolled into Roth IRA

lifetime cap $35,000

Roth IRA at 68

+ $0 still in 529

Brokerage at 68

$27,809,034

leftover drawn down · $0 lost to tax + penalty

Borrowed (student loans)

$504,396

+ $297,294 interest · paid off at age 31

Starting salary

$190,909

at graduation · 4.0%/yr raises + partner/owner stages

Lifetime saved & invested

$13,231,596

after 28.0% tax + 50.0% spending & loans

Ownership equity at 68

$2,367,991

partner + practice-owner stake

Net worth at 68

$30,177,024

assets + equity − loans

Year by year

Phase	Year	Age	Cost	529 End	Brokerage	Salary	Loan	Net worth
Accumulation	2026	11		$10,000				$10,000
Accumulation	2027	12		$16,885				$16,885
Accumulation	2028	13		$24,232				$24,232
Accumulation	2029	14		$32,070				$32,070
Accumulation	2030	15		$40,433				$40,433
Accumulation	2031	16		$49,357				$49,357
Accumulation	2032	17		$58,878				$58,878
Undergraduate · In-state public university	2033	18	$41,791	$27,245				$27,245
Undergraduate · In-state public university	2034	19	$43,880	$0			$8,595	$-8,595
Undergraduate · In-state public university	2035	20	$46,074	$0			$49,141	$-49,141
Undergraduate · In-state public university	2036	21	$48,378	$0			$95,235	$-95,235
Law school · JD program	2037	22	$137,169	$0			$233,858	$-233,858
Law school · JD program	2038	23	$144,028	$0			$393,148	$-393,148
Law school · JD program	2039	24	$151,229	$0			$575,606	$-575,606
Post-grad (529 → Roth) · Associate	2040	25		$0		$190,909	$529,908	$-529,908
Post-grad (529 → Roth) · Associate	2041	26		$0		$198,546	$474,524	$-474,524
Post-grad (529 → Roth) · Associate	2042	27		$0		$206,488	$408,177	$-408,177
Post-grad (529 → Roth) · Associate	2043	28		$0		$214,747	$329,442	$-329,442
Post-grad (529 → Roth) · Senior associate	2044	29		$0		$335,005	$177,627	$-177,627
Post-grad (529 → Roth) · Senior associate	2045	30		$0		$348,406	$6,540	$-6,540
Post-grad (529 → Roth) · Senior associate	2046	31		$0		$362,342		$0
Post-grad (529 → Roth) · Senior associate	2047	32		$0	$74,650	$376,836		$74,650
Post-grad (529 → Roth) · Partner	2048	33		$0	$163,653	$574,800		$930,095
Post-grad (529 → Roth) · Partner	2049	34		$0	$301,960	$597,792		$1,068,401
Post-grad (529 → Roth) · Partner	2050	35		$0	$452,540	$621,704		$1,218,981
Post-grad (529 → Roth) · Partner	2051	36		$0	$616,229	$646,572		$1,382,670
Post-grad (529 → Roth) · Partner	2052	37		$0	$793,914	$672,435		$1,560,355
Post-grad (529 → Roth) · Partner	2053	38		$0	$986,536	$699,332		$1,752,978
Post-grad (529 → Roth) · Equity partner	2054	39		$0	$1,195,094	$991,780		$3,563,084
Post-grad (529 → Roth) · Equity partner	2055	40		$0	$1,480,429	$1,031,451		$3,848,420
Post-grad (529 → Roth) · Equity partner	2056	41		$0	$1,789,330	$1,072,709		$4,157,321
Post-grad (529 → Roth) · Equity partner	2057	42		$0	$2,123,362	$1,115,617		$4,491,353
Post-grad (529 → Roth) · Equity partner	2058	43		$0	$2,484,183	$1,160,242		$4,852,174
Post-grad (529 → Roth) · Equity partner	2059	44		$0	$2,873,552	$1,206,652		$5,241,542
Post-grad (529 → Roth) · Equity partner	2060	45		$0	$3,293,332	$1,254,918		$5,661,323
Post-grad (529 → Roth) · Equity partner	2061	46		$0	$3,745,500	$1,305,115		$6,113,491
Post-grad (529 → Roth) · Equity partner	2062	47		$0	$4,232,148	$1,357,319		$6,600,139
Post-grad (529 → Roth) · Equity partner	2063	48		$0	$4,755,495	$1,411,612		$7,123,486
Post-grad (529 → Roth) · Equity partner	2064	49		$0	$5,317,891	$1,468,076		$7,685,882
Post-grad (529 → Roth) · Equity partner	2065	50		$0	$5,921,823	$1,526,800		$8,289,814
Post-grad (529 → Roth) · Equity partner	2066	51		$0	$6,569,929	$1,587,871		$8,937,919
Post-grad (529 → Roth) · Equity partner	2067	52		$0	$7,264,998	$1,651,386		$9,632,988
Post-grad (529 → Roth) · Equity partner	2068	53		$0	$8,009,985	$1,717,442		$10,377,976
Post-grad (529 → Roth) · Equity partner	2069	54		$0	$8,808,019	$1,786,139		$11,176,010
Post-grad (529 → Roth) · Equity partner	2070	55		$0	$9,662,412	$1,857,585		$12,030,402
Post-grad (529 → Roth) · Equity partner	2071	56		$0	$10,576,667	$1,931,888		$12,944,657
Post-grad (529 → Roth) · Equity partner	2072	57		$0	$11,554,493	$2,009,164		$13,922,484
Post-grad (529 → Roth) · Equity partner	2073	58		$0	$12,599,815	$2,089,531		$14,967,806
Post-grad (529 → Roth) · Equity partner	2074	59		$0	$13,716,785	$2,173,112		$16,084,775
Post-grad (529 → Roth) · Equity partner	2075	60		$0	$14,909,794	$2,260,036		$17,277,785
Post-grad (529 → Roth) · Equity partner	2076	61		$0	$16,183,489	$2,350,438		$18,551,480
Post-grad (529 → Roth) · Equity partner	2077	62		$0	$17,542,784	$2,444,455		$19,910,775
Post-grad (529 → Roth) · Equity partner	2078	63		$0	$18,992,876	$2,542,233		$21,360,867
Post-grad (529 → Roth) · Equity partner	2079	64		$0	$20,539,261	$2,643,923		$22,907,251
Post-grad (529 → Roth) · Equity partner	2080	65		$0	$22,187,748	$2,749,680		$24,555,738
Post-grad (529 → Roth) · Equity partner	2081	66		$0	$23,944,481	$2,859,667		$26,312,472
Post-grad (529 → Roth) · Equity partner	2082	67		$0	$25,815,955	$2,974,054		$28,183,945
Post-grad (529 → Roth) · Equity partner	2083	68		$0	$27,809,034	$3,093,016		$30,177,024